It is understood that if it is 2,500/3,000 per month, then the loan amount in large banks is 300,000, and the loan amount in small banks is 300,000-500,000. If the monthly payment is 1000/2000, you can borrow about15/300,000 in cash.
It should be noted that borrowing cash depends on your credit history and work unit. If it is difficult to obtain credit records, it is easier to obtain work loans from state-owned enterprises or civil servants or institutions or teachers, and the amount is very high. Therefore, your own credit information must be maintained.
The definition of housing provident fund includes the following five aspects:
1. Housing provident fund is only established in cities and towns, and there is no housing provident fund system in rural areas.
2. Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of housing provident fund together with the unit deposit.
4. The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must pay it continuously according to the regulations during their employment, and it shall not be suspended or interrupted except for the retirement of employees or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
5. Housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics: accumulation and specificity.
So how do you borrow the provident fund?
1. After the loan application is submitted, it will be reviewed. The undertaking bank accepts the borrower's personal provident fund loan application, enters the relevant information into the provident fund loan management system, and the provident fund center feeds back the results after review.
2. Sign the contract and go through the relevant formalities. This can only be handled if it is approved. Those who pass the examination shall be signed by the undertaking bank and go through the mortgage registration formalities;
3. After approving the transfer of entrusted loan funds, the provident fund center will verify the mortgage-related information after receiving it, and then transfer the entrusted loan funds, and the bank will transfer the funds to the designated account.
Matters needing attention in provident fund loan.
1. Pay attention to the deposit of provident fund. Property buyers must know the conditions of local housing provident fund loans in advance to see if they meet the requirements, and understand that not all people who have participated in the payment of housing provident fund can apply for housing provident fund. Under normal circumstances, buyers need to pay the housing provident fund in full for 6 months or 12 months before they can apply.
2. Pay attention to the loan amount of housing provident fund. There is a limit on the amount of provident fund loans, which is related to the balance of individual housing provident fund accounts of buyers. If there is not much balance in the provident fund account, the loan amount applied for will be very low.
3. Pay attention to the use times of provident fund loans. Housing accumulation fund is a welfare policy launched by the state to solve the housing problem of employees, so it is not necessary to apply whenever you want, and there are certain requirements on the number of applications.
4. Pay attention to personal credit information. This is a problem that all bank commercial loans and housing provident fund loans should examine. Only when the borrower's personal credit information is in good condition can he get a loan successfully, so you'd better check your credit information before handling the loan.